Compare Acura RLX Insurance Quotes in Seattle

Looking for lower-priced Acura RLX insurance in Seattle? Have you finally had enough of sacrificing other expenses to pay high auto insurance rates every month? You are no different than many other Washington drivers.

Discount Acura RLX insuranceIt’s astonishing, but nearly 70% of drivers renewed their policy with the same company for at least four years, and almost half have never even shopped around for cheap coverage. Many drivers in Washington could save an average of nearly $430 each year, but they just assume it’s a time-consuming process to find cheap insurance by shopping around. Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible on Acura RLX insurance in Seattle.

If you are already insured or just want to reduce your rates, use these tips to cut your premiums while maximizing coverage. Locating the best rates in Seattle can really be easy if you know what you’re doing. Consumers just need to use the quickest way to compare insurance rates from many different companies online.

Best companies for competitive Acura RLX insurance in Washington

The companies shown below offer free rate quotes in Seattle, WA. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.

Affordable rates by getting these seven discounts

Auto insurance is not an enjoyable expense, but there may be some discounts that can help lower your rates. A few discounts will automatically apply when you purchase, but less common discounts must be asked for before they will apply.Save money with discounts

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of companies with discount rates in Washington, follow this link.

Compare rate quotes but buy from a local Seattle insurance agency

Certain consumers still like to go talk to an agent. Professional insurance agents are highly skilled in risk management and give you someone to call. An additional benefit of getting free rate quotes online is that drivers can save money and get the best rates and still have an agent to talk to.

Seattle insurance agentsAfter filling out this short form, your information is immediately sent to local insurance agents in Seattle that give free quotes for your auto insurance coverage. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go instantly to you. If you wish to compare rates from a specific insurance company, just go to their quote page and fill out their quote form.

Finding the right insurer should include more criteria than just a low price. The following questions are important to ask.

When narrowing the list to find a reliable insurance agent, it can be helpful to understand the different types of agents and how they are slightly different. Auto insurance agents are considered either independent agents or exclusive agents. Both sell auto insurance policies, but it’s important to know how they differ since it could factor into buying decisions.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive can only write with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agents are well trained on sales techniques which helps them sell insurance even at higher premiums.

Listed below is a list of exclusive insurance agents in Seattle willing to provide comparison quotes.


4453 California Ave SWSeattle, WA 98116(206) 932-2191View Map


4727 44th Ave SW Ste 100Seattle, WA 98116(206) 935-9955View Map

Mark Hafemeister – State Farm Insurance Agent
14322 Lake City Way NESeattle, WA 98125(206) 365-0600View Map

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Independent Auto Insurance Agencies

Independent insurance agents do not work for one specific company and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. If they find a lower price, the business is moved internally which makes it simple for you.

If you need cheaper auto insurance rates, you will want to get several quotes from at least one independent agent to get the most accurate price comparison.

Shown below are independent insurance agencies in Seattle who can help you get price quote information.


431 15th Ave ESeattle, WA 98112(206) 329-7447View Map


5191 S Spencer StSeattle, WA 98118(206) 965-8140View Map


1200 5th Ave #1825Seattle, WA 98101(206) 621-6444View Map

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Big brands don’t always mean big savings

Consumers in Washington can’t get away from ads that claim the cheapest premium rates by companies like GEICO, State Farm and Progressive. They all make an identical promise that drivers will save a bundle if you get a free Seattle car insurance quote and switch your insurance policy to them.

That’s great but how can every company offer you a better deal on Acura RLX insurance in Seattle? It’s all in the numbers.

Companies have specific criteria for the type of customer that earns them the most money. For instance, this type of insured should be between 25 and 40, carries full coverage, and does not commute to work. Any customer who matches those parameters gets the lowest car insurance rates and will also save when they switch companies.

Potential customers who don’t measure up to the ideal profile will get a more expensive rate which translates to business not being written. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently state the savings. This illustrates why you absolutely need to quote coverage with many companies. Because without a comparison, you cannot know which insurance company will be your best fit.

Insurance is unique, just like you

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.Insurance savings

For example, these questions could help you determine whether you could use an agent’s help.

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura RLX.

Due to the fact that many Washington drivers have only the minimum liability required by law (Washington limits are 25/50/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/10 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, medical expenses, loss of income, emergency aid and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible. Washington requires minimum liability limits of 25/50/10 but you should consider buying higher limits.

Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, falling objects and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – This covers damage to your RLX resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your RLX in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, dental work, funeral costs, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Compare. Compare. Compare.

People change insurance companies for any number of reasons including being labeled a high risk driver, denial of a claim, delays in paying claims and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.

Cheaper Acura RLX insurance in Seattle is available from both online companies and with local Seattle insurance agents, so you need to quote Seattle car insurance with both to get a complete price analysis. Some insurance providers do not offer rates over the internet and many times these small insurance companies sell through independent insurance agencies.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

More information is located at the links below